The KODA referral programme: share your link, and when a merchant you refer verifies their first payment, you both earn free credit. Growth that pays you back.
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The people best placed to recommend a payment tool are the merchants who already trust it every day. A fellow shop owner's word carries more weight than any advert, because they have felt the relief of a payment confirmed in three seconds instead of a screenshot they had to squint at. So KODA rewards that trust directly: every account comes with a share link, and bringing another business onto the network earns both of you free credit through the KODA referral programme.
The mechanics are deliberately simple. You find your personal share link in the KODA Growth Partner Programme tools and send it to a merchant you think would benefit. When they follow it, Get started with KODA free and verify their very first real payment, the reward lands automatically for both sides. There are no forms to fill, no waiting for approval and no manual claim — the credit settles the moment their first genuine verification goes through, and it arrives as free ACU credit you can spend on your own verifications.
It is worth understanding what "verify their first payment" actually means, because it is the honest trigger for the reward. The invited merchant sends or receives a real mobile money payment and KODA confirms it by matching the reference code against the operator's own confirmation SMS on their phone — M-Pesa, Orange Money, Airtel Money, MTN MoMo, Wave and more — exactly as described on How KODA verifies mobile money payments. KODA never moves, holds or touches that money; it is not a bank or a wallet. The reward is tied to a real, verified transaction, not a signup that goes nowhere, which is what keeps the network genuine.
Because a merchant can verify through any of the Five Ways to Accept & Verify Mobile Money (One Engine) — the manual console, WhatsApp, the API and checkout, USSD, or inbound SMS — the referral does not force your invitee down any particular path. They can start with whatever fits their business, and the reward triggers just the same. And since there is no telco API, no contract and no integration required to begin, the merchant you refer can go from your link to their first verified payment quickly, which means your credit arrives quickly too.
There is no cap on how much you can earn. Every qualified referral rewards both sides, so the more merchants you bring, the more credit you accumulate — a genuinely uncapped way to offset your own costs. For active sellers who talk to other sellers constantly, in market groups, supplier chats and trade associations, the referral link turns everyday word of mouth into real value. Because the reward is symmetric, the merchant you invite also starts with credit in hand, which lowers the friction of their first month and makes the recommendation feel like a gift rather than a sales pitch.
The reason merchants are happy to pass the link on is that the product genuinely earns their trust first. A payment verified in about three seconds, every reference code locked forever so it can never be reused, and an anti-fraud layer that adds anti-forgery, fraud scoring, velocity rules and screenshot forensics — these are the things a shop owner feels in their daily takings. When a tool has quietly stopped fake screenshots and recycled codes from costing you money, recommending it to a fellow trader is an easy conversation, and the referral credit is simply a bonus on top of goodwill you already wanted to share.
The programme compounds with the rest of the KODA Growth Partner Programme toolkit rather than standing alone. It sits alongside the AI Marketing Tools Built for Mobile Money Merchants that help you promote your shop, so the same effort that grows your sales also grows your network. Even your White-Label Payment Receipts Your Customers Trust pitch in: every branded receipt can quietly carry a prompt inviting the next merchant, so satisfied customers who admire your clean, verified checkout become referrals without you lifting a finger.
A couple of things are worth keeping in mind. Refer merchants who will actually use verification — a business that genuinely takes mobile money — rather than spraying the link at anyone, because the reward is built around a real first verification, not a hollow signup. And point invitees to Get started with KODA free so they land in the right place; the smoother their first payment, the sooner you both see credit. Sharing the link inside communities that already trust you tends to convert far better than cold outreach.
Growing the network you already believe in should pay you back, and here it does. Find your share link in the KODA Growth Partner Programme tools today, send it to a merchant who could use verified mobile money payments, and start earning free credit on their first verification.
Share your link; when a merchant you invite verifies their first payment, you both receive free ACU credit. Find your link in the KODA Growth Partner Programme tools.
No. Every qualified referral rewards both sides, so the more merchants you bring, the more credit you earn.